When you are approached for a contribution of either your time or money, ask questions, and don’t give a donation until you’re satisfied with the answers.

Charities with nothing to hide will encourage your interest. Be wary of their reluctance or inability to answer questions.

1. Ask for the charity’s full name and address. Demand identification from the solicitor.

2. Ask if your contribution is tax deductible. Contributions to tax exempt organizations are not always tax deductible.

3. Ask if the charity is licensed by state and local authorities. Registration or licensing is required by most states and many communities. However, bear in mind that registration in and of itself does not imply that the state or local government endorses the charity.

4. Don’t succumb to pressure to give money on the spot or allow a “runner” to pick up a contribution; the charity that needs your money today will welcome it just as much tomorrow.

5. Watch out for statements such as “all proceeds will go to the charity.” This can mean that the money left after expenses, such as the cost of written materials and fund raising efforts, will go to the charity. These expenses can make a big difference, so check carefully.

6. When you’re asked to buy candy, magazines, card, or tickets to a dinner or show to benefit a charity, be sure to ask what the charity’s share will be. You cannot deduct the full amount paid for any such items, as the IRS considers only the part above the fair-market value of the item to be a charitable contribution. For example, if you pay $10 for a box of candy that normally sells for $8, only $2 can be claimed as a charitable donation.

7. Call the BBB if a fund raiser uses pressure tactics such as intimidation, threats, or repeated and harassing calls or visits.